OK So I have 11 years NCB (as per my insurance schedule) and my last insurer noted this down. My new insurer now says that if you have “5 or more” years and make a claim you return to 3 years NCB. Is it just me, or is that unfair? Am I reading it wrong or am I being royally screwed if I want to make a claim? I’m effectively losing 8 years NCB because they dont recognise >5 years? My last insurer recognised 9 years – WTF?

and who’s fault is that…

I guess they just try to stay competitive with the premium cost by cutting benefits

Why didn’t you stay with your previous insurer or move to one that offers the same NCB?

I accidentaly found a way to rip off you NCB,

Apply for insurance with one company, they send you a schedule of insurance or whatever it’s called with the detaiils that you gave on tinternet ie 5 years NCB, cancel your direct debit, don’t take that policy and apply with someone else, when they demand proof of you NCB send them the schedule of insurance from the previous lot and away you go. Worked for me with swiftcover. I didn’t do it on purpose but that was the only piece of paperwork I had to prove my NCB

and if found out presumably the insurance co would cancel the cover and you would get 9 points to a ban for driving without insurance? winner

Ive been driving 28 yrs without a claim, I still only get 70% NBC Maximum, to help keep this status I pay the premium to ‘protect my NBC’
I think that what the majority of people do…

No no no, my insurance company at the time set up my DDs incorrectly and they weren’t collected for 6 months, despite numerous phone calls from myself. I filled in loads of DD mandates and they still cocked it up, I called them to pay them for the hundreth time and thay said their computer could only take payment for the full year. I didnt have the money so I cancelled my insurance with them and looked for it elsewhere. Found it alsewhere but couldn’t prove my no claims as the previous company wouldnt give me the proof of NCB until I paid them. I didn’t want to pay them in a hurry so I did as explained above, and if I do ever need my insurance my NCB can be verified.

alot of insurers max discount is given at 5 years anyway, so little difference whether you have more or not. dont see a problem particularly myself – there is probably in reality very little in the odds of a claim if you have not had an accident after 5 years compared with someone who hasn’t had an accident in 15 years – they are probably statistically likely to be the same risk factor.

Hackney – who’s fault is what? The claim? Not mine, blame the kids who smashed up my car while drunk, for no reason.

I did have protcted NCB, but FYI it’s virtually worthless – they’ll still load your premium for having claimed in the last 5 years (ever noticed they still ask you that regardless of your NCB, and ask you whos fault it is, what it cost etc?). I wasn’t aware of my new insurers maximum 5 year NCB until I checked the policy document that was sent AFTER I bought it (by some time) as I’ve never had one that didn’t quote at least 7 years NCB, some to 9 (I’m normally with a specialist insurer). While the cost difference on THIS car is minimal between 3 and 5 years NCB, the difference on my other car is vast (multiple hundreds a year) and so I dont want to damage that so I may have to not claim.

Cancel this insurance and go back to your old insurer then ?

I can’t cancel this one without losing a very large chunk of it, and I cant legally claim on new insurance for something that occured when the other company was insuring it.